ICICI Lombard Arogya Sanjeevani Policy
  • COVID-19 Cover
  • Ambulance Cover
  • Affordable Plan
ICICI Lombard Health Insurance
premium

Network hospitals

7500+

premium

Claim settlement ratio

97.07%

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Sum insured

Up to 50 Lakh

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No. of Plans

7

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Solvency Ratio

2.54

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Pan India Presence

286

Customized Health Insurance Plan for you.

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Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

7500+

premium

Claim settlement ratio

97.07%

premium

Sum insured

Up to 50 Lakh

premium

No. of Plans

7

premium

Solvency Ratio

2.54

premium

Pan India Presence

286

ICICI Lombard Arogya Sanjeevani Policy

ICICI Lombard Arogya Sanjeevani is a versatile plan that pays for your medical bills in case of hospitalization. If you are looking for a health plan that secures your basic healthcare needs Arogya Sanjeevani Policy by ICICI Lombard is an efficient fit. You can avail the plan on an individual and family floater basis and take advantage of the following features:

  • In-Patient Hospitalization
  • Pre and Post Hospitalization
  • AYUSH Treatment
  • Day Care Procedures
  • Lifelong Renewability, and more.

An affordable health care plan offering a cumulative bonus up to a maximum of 50% of SI along with cataract treatments, dental treatments, and plastic surgery if the need arises due to a disease or injury. The plan offers a sum insured benefit ranging between INR 1 lac and 5 Lac. To know more about the Arogya Sanjeevani Policy by ICICI Lombard, read further details.

ICICI Lombard Arogya Sanjeevani Policy Eligibility Criteria

To purchase the Arogya Sanjeevani Policy by ICICI Lombard individuals must fulfill the following eligibility criteria mentioned in the table below:

Child Entry Age

Minimum: 18 Years
Children: 3 Months to 25 Years

Adult Entry Age

Maximum: 65 Years

Sum Insrued

1 L | 2 L | 3 L | 4 L | 5 L

Plan Type

Individual/Family Floater

Policy Term

1 Year

Initial Waiting Period

30 Days

Read more specifications in the brochure.

ICICI Arogya Sanjeevani Policy Benefits

ICICI Arogya Sanjeevani Policy benefits offer a multitude of features and benefits allowing insured individuals to enjoy a stress-free life as their medical care needs are fulfilled by the plan. To read the multiple benefits offered read the details mentioned below:

  • COVID-19 Cover

    Arogya Sanjeevani Policy by ICICI Lombard offers COVID-19 coverage wherein the insured individuals can avail of hospitalization expenses in case diagnosed with COVID-19. The plan provides peace of mind by covering a deadly disease such as COVID-19 to its customers.
  • Family Cover

    Arogya Sanjeevani Policy by ICICI Lombard provides medical care and protection to your family members. Under this plan, you can cover up to 2 adults and 3 dependent children above 3 months of age. You can get your immediate family members covered under the plan like your spouse, dependent parents, parents-in-law, and dependent children.
  • Cataract Treatment

    Arogya Sanjeevani Policy by ICICI Lombard offers a cataract cover under the plan up to 25% of the Sum insured or Rs. 40,000/- per eye, per policy year whichever is lower.
  • Cumulative Bonus

    ICICI Lombard Arogya Sanjeevani Policy offers an increase in the sum insured by 5% in respect of each claim-free year up to a maximum of 50% of the Sum Insured.
  • Change of Sum Insured

    Insured individuals can opt for changing their sum insured value that is it can be increased/decreased as per their requirements under the Arogya Sanjeevani Policy by ICICI Lombard only at the time of renewal. However, for the increased sum insured opted the waiting period shall start afresh only for the enhanced sum insured value.

Choose Your ICICI Lombard Arogya Sanjeevani Policy

The plan offers a range of sum insured options ranging between INR 1 to 5 Lakhs that you opt for as per your requirements and needs.

What is Room Rent?

Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under ICICI Lombard Arogya Sanjeevani Policy?

Under the ICICI Lombard Arogya Sanjeevani Policy, the room rent is covered up to 2% of SI.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under ICICI Lombard Arogya Sanjeevani Policy?

Under the ICICI Lombard Arogya Sanjeevani Policy, ICU charges are covered up to 5% of SI up to a maximum of INR 10,000/- per day.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under ICICI Lombard Arogya Sanjeevani Policy?

Under the ICICI Lombard Arogya Sanjeevani Policy, pre-hospitalization is covered for up to 30 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under ICICI Lombard Arogya Sanjeevani Policy?

ICICI Lombard Arogya Sanjeevani Policy covers medical expenses incurred during post-hospitalization for 60 Days.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under ICICI Lombard Arogya Sanjeevani Policy?

ICICI Lombard Arogya Sanjeevani Policy does not cover domiciliary hospitalizations.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under ICICI Lombard Arogya Sanjeevani Policy?

ICICI Lombard Arogya Sanjeevani Policy covers the expenses of all daycare procedures up to 50% of SI.

What are OPD charges?

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under ICICI Lombard Arogya Sanjeevani Policy?

OPD charges are not covered under the ICICI Lombard Arogya Sanjeevani Policy.

What is COVID-19 Treatment?

Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under ICICI Lombard Arogya Sanjeevani Policy?

ICICI Lombard Arogya Sanjeevani Policy covers COVID-19.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under ICICI Lombard Arogya Sanjeevani Policy?

ICICI Lombard Arogya Sanjeevani Policy covers Cataract Treatment with a Limit of up to 25% of the sum insured or ₹40,000, whichever is lower.

What is a No-Claim Bonus?

This plan offers a 50% increment in the sum insured at the time of renewal after a claim-free year. In case of a claim, the bonus amount added to your SI will be decreased by 50%.

Coverage status under ICICI Lombard Arogya Sanjeevani Policy?

ICICI Lombard Arogya Sanjeevani Policy offers a no-claim bonus of 5% of the sum insured for each claim-free year up to a maximum of 50% of SI.

What is Automatic Restoration?

Automatic restoration equal to 100% of your selected SI amount is provided under this plan if the basic sum insured and the multiplier benefit get exhausted.

Coverage status under ICICI Lombard Arogya Sanjeevani Policy?

ICICI Lombard Arogya Sanjeevani Policy does not offer automatic restoration.

What is Daily Hospital Cash?

It is a cash amount that you will get each day during the time of hospitalization.

Coverage status under ICICI Lombard Arogya Sanjeevani Policy?

The Daily hospital cash is not available under the ICICI Lombard Arogya Sanjeevani Policy.

What is an Organ Donor Cover?

Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under ICICI Lombard Arogya Sanjeevani Policy?

Under ICICI Lombard Arogya Sanjeevani Policy the organ donor expenses are not covered.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under ICICI Lombard Arogya Sanjeevani Policy?

Under the ICICI Lombard Arogya Sanjeevani Policy, Maternity Cover is not available.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new borncover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under ICICI Lombard Arogya Sanjeevani Policy?

Under the ICICI Lombard Arogya Sanjeevani Policy, the newborn baby cover is not available.

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under ICICI Lombard Arogya Sanjeevani Policy?

Under the ICICI Lombard Arogya Sanjeevani Policy, AYUSH treatment is covered.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under ICICI Lombard Arogya Sanjeevani Policy?

Under the ICICI Lombard Arogya Sanjeevani Policy, IVF is not available.

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under ICICI Lombard Arogya Sanjeevani Policy?

Under the ICICI Lombard Arogya Sanjeevani Policy, modern treatments are not covered.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under ICICI Lombard Arogya Sanjeevani Policy?

Under the ICICI Lombard Arogya Sanjeevani Policy, ambulance cover is available up to Rs 2,000/- per hospitalization.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under ICICI Lombard Arogya Sanjeevani Policy?

Under the ICICI Lombard Arogya Sanjeevani Policy, the air ambulance is not covered.

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under ICICI Lombard Arogya Sanjeevani Policy?

Under the ICICI Lombard Arogya Sanjeevani Policy, compassionate travel is not covered.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under ICICI Lombard Arogya Sanjeevani Policy?

Under the ICICI Lombard Arogya Sanjeevani Policy, global coverage is not covered.

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under ICICI Lombard Arogya Sanjeevani Policy?

Under the ICICI Lombard Arogya Sanjeevani Policy, E-consultation is not covered.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.

Coverage status under ICICI Lombard Arogya Sanjeevani Policy?

Under the ICICI Lombard Arogya Sanjeevani Policy, a health check-up is not available.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.

Coverage status under ICICI Lombard Arogya Sanjeevani Policy?

ICICI Lombard Arogya Sanjeevani Policy does not cover the expenses for a second medical opinion.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under ICICI Lombard Arogya Sanjeevani Policy?

ICICI Lombard Arogya Sanjeevani Policy does not cover vaccination expenses.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under ICICI Lombard Arogya Sanjeevani Policy?

A voluntary 5 % co-pay is applicable on all claims under the ICICI Lombard Arogya Sanjeevani Policy.

What is the Sub limit?

Sub-limits are the specific limits set in an insurance policy for its various features. For example, there are usually sub-limits set on room rent, OPD, doctor’s fees, ambulance charges, family visits, etc. Small amounts of the total sum insured are allotted to different features that the policy comes with and exceeding these amounts leads to out-of-pocket expenses from the policyholder.

Status under ICICI Lombard Arogya Sanjeevani Policy?

Sub-limits are not applicable.

ICICI Lombard Arogya Sanjeevani Policy Exclusions

Permanent Exclusions

Permanent Diseases or health conditions that are not included under the ICICI Lombard Arogya Sanjeevani Policy are mentioned below:

OPD Expenses.

Expenses arising out of adventure sports.

Expenses arising due to unlawful activities.

Infertility and fertility treatments.

Expenses arising out of war, civil war, nuclear attack, etc.

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Pre-existing Diseases 48 Months

Listed Ailments 24/48 Months

Conclusion

ICICI Lombard Arogya Sanjeevani Policy is a versatile and affordable health insurance plan designed to provide medical care to individuals and families. It is a standard health insurance plan with a limited sum insured availability but covers all the necessary medical requirements. In order to avail basic health coverage, the Arogya Sanjeevani Policy by ICICI Lombard is an apt health insurance plan.

Explore more plans from ICICI Lombard

ICICI Lombard Insurance company offers several tailored health plans that are designed to serve you in the best way possible. Take a look:

Saral Suraksha Plan

ICICI Lombard Saral Suraksha Bima

A plan that offers coverage for accidental death and disablement, temporary total disablement and gives Education Grant.

Unique Features

  • 100% Death Benefit
  • Emergency Care
  • Cumulative Bonus up to 50 %

Saral Suraksha Bima (Pros)

  • 10% Education Grant
  • Temp. Total Disablement cover
  • In-Patient Care
  • Total Disablement cover
  • Partial Disablement cover

Saral Suraksha Bima (Cons)

  • Hazardous sports not covered
  • No Intentional self-injury cover
  • Alcoholism not covered
  • Injury due to violation of the law
  • Obesity treatment not covered

Saral Suraksha Bima (Other Benefits)

  • Plastic surgery after accident
  • Surgical Procedure after accident
  • 50% Cumulative Bonus
  • All Day Care Treatment
  • Dental Treatment after accident

Saral Suraksha Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -70 Years
  • SI - 2 L to 5 L
  • Waiting Period -30 Days

Top-up

A Top-up plan that offers extra coverage to you and your family with a comparatively lower premium with a policy deductible principle.

Unique Features

  • Wellness Programs
  • Critical Illnesses Covered
  • Lifetime Renewability available

Health Booster (Pros)

  • No Check-up up to 10 Lakh
  • Discount of up to 12.5%
  • Cashless treatment Hospitals
  • Reimbursement within 14 days
  • Deductible options (3/4/5 lakhs)

Health Booster (Cons)

  • No international Coverage
  • No Alcohol or drug abuse
  • No Refractive error correction
  • Dental treatment not covered
  • No hearing impairment correction

Health Booster (Other Benefits)

  • Hospital Daily Cash
  • Convalescence Benefit
  • Personal Accident Cover
  • Repatriation of Remains
  • (TTD) Rehabilitation Cover

Health Booster (Eligibility Criteria)

  • Entry Age - 18 Years
  • No Upper Age Limit
  • SI - 5 L to 50 L
  • Waiting Period - 30 Days

Personal Accident

The plan offers personal accident coverage on an individual and family floater basis, with coverage up to 25Lakhs.

Unique Features

  • Permanent Disability Covered
  • No pre-medical required
  • Worldwide coverage

Personal Protect Plan (Pros)

  • All Disablement Covered
  • Accidental Hospital Allowance
  • Rail accidents covered
  • Natural Peril Injury CFovered
  • No health check-up required

Personal Protect Plan (Cons)

  • Change of Gender Treatments
  • Cosmetic or Plastic Surgery
  • Dental treatment not covered
  • Maternity expenses not covered
  • No Global Coverge

Personal Protect Plan (Other Benefits)

  • No Injuries in terrorism covered
  • Hospital Daily Allowance Benefit
  • Accidental Hospital Allowance
  • Funeral Expenses covered
  • Children's Education Grant Benefit

Personal Protect Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 25 L
  • Waiting Period - 30 Days

Covid specific Plan

Corona Kavach Plan

A plan mandated by IRDAI that offers covers the hospitalization expenses if the insured is tested positive for Covid-19.

Unique Features

  • Flexible Sum Insured
  • Home-care treatment covered
  • Treatment for comorbid

Corona Kavach Plan (Pros)

  • Covid Hospitalization charges
  • Home Care Treatment Expenses
  • AYUSH Treatment Covered
  • Hospital Daily Cash
  • Flexible Policy Period

Corona Kavach Plan (Cons)

  • Dietary supplements expenses
  • Unproven Treatments expenses
  • Respite care not covered
  • Investigation Expenses
  • Rehabilitation not covered

Corona Kavach Plan (Other Benefits)

  • Inpatient hospitalization
  • Family Floater Benefit
  • In-patient treatment
  • Home care treatment
  • Post-hospitalisation

Corona Kavach Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50 Thousand to 5 L
  • Waiting Period - 15 Days

Senior Citizens

A senior citizen plan that covers medical expenses resulting from hospitalisation, health check-ups, day-care procedures and more.

Unique Features

  • Affordable Medical Care
  • Care Management Program
  • Reset Benefit

Golden Shield Plan (Pros)

  • Nursing at home
  • Free annual health check-ups
  • Air ambulance coverage
  • Tele consultations
  • AYUSH treatments

Golden Shield Plan (Cons)

  • Voluntary Deductible amount
  • Expenses Outside India
  • No Acupressure Treatments
  • 2-Year Waiting Period
  • Obesity/Weight Control treatment

Golden Shield Plan (Other Benefits)

  • Pharmacy Cover up to Rs 2,000
  • Out-patient consultations
  • Can update a family member
  • Routine Diagnostics covered
  • Minor Procedure Covered

Golden Shield Plan (Eligibility Criteria)

  • Entry Age - 56 Years
  • Max Age -No Upper age limit
  • SI - 3 L to 10 L
  • Waiting Period -24 Months

Senior Citizen Plan

A comprehensive plan for you and your family covering

Unique Features

  • Swine Flu Treatment Covered
  • Pre Existing Disease Covered
  • Cumulative Bonus upto 50 %

Health AdvantEdge (Pros)

  • No health check-ups
  • Domestic Air Ambulance
  • 24x7 Customer Support
  • Newborn baby and vaccine cover
  • Health rewards

Health AdvantEdge (Cons)

  • No Non-allopathic Treatments
  • Unproven treatment not covered
  • HIV/AIDS treatments not covered
  • 3-Year Waiting Period
  • Obesity treatment not covered

Health AdvantEdge (Other Benefits)

  • Bariatric surgery cover
  • Maternity Expenses Covered
  • Orthopaedic Expenses Covered
  • Chemotherapy Covered
  • Eye Surgery Covered

Health AdvantEdge (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 2 L to 5 L
  • Waiting Period -30 Days

ICICI Lombard Arogya Sanjeevani Policy: FAQ's

1. What is covered under the Arogya Sanjeevani Plan by ICICI Lombard?

The Arogya Sanjeevani Plan covers various aspects of medical care such as:

  • Pre and Post Hospitalization
  • In-Patient Hospitalization
  • AYUSH Coverage
  • Cumulative Bonus
  • Ambulance Cover, and more

2. What is the minimum amount of sum insured options available under the Arogya Sanjeevani Policy by ICICI Lombard?

The minimum amount of sum insured available to insured individuals is INR 1,00,000.

3. Is Arogya Sanjeevani Policy a family floater plan?

Yes, the Arogya Sanjeevani Policy by ICICI Lombard is available as an individual and family floater health insurance plan. You can cover your spouse, parents, parents-in-law, and dependent children under the plan.

4. What are the eligibility criteria required to avail ICICI Lombard Arogya Sanjeevani Policy?

The eligibility criteria for adults ranges between the age of 18 to 65 years, whereas for dependent children it is 3 months to 25 years.

5. Is Co-Pay mandatory under the ICICI Lombard Arogya Sanjeevani Policy by ICICI Lombard?

Yes, a 5% co-pay for all claims is mandatory under the Arogya Sanjeevani Policy by ICICI Lombard.

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ICICI Lombard Health Insurance Reviews

For a better insight into the company, do not forget to go through the ICICI Lombard Health Insurance Reviews.

Customer Review Image

aditya

Nagpur

February 17, 2022

I have family insurance plan and my mother and sister hospitalised for covid together. hospital gave me big amount. I used insurance plan to pay the bills.

Customer Review Image

Kalpana Pushkar

Raipur

February 9, 2022

ICICI Lombard s individual health insurance plan is an excellent one that provided me with complete coverage at affordable rates.

Customer Review Image

Jubin Katyal

Agra

September 8, 2021

Very Good company ICICI. I am impressed with their services. I will recommend this compnay from my side

Customer Review Image

Aditya Kapoor

Mumbai

September 6, 2021

I really like the plans from ICICI Lombard as they have comprehensive and affordable plans. Nice ICICI

Customer Review Image

Prakash

Dehradun

August 31, 2021

happy to buy a plan from ICICI, their customer support is very helpful and very supportive, even helped me in my claim settlement.

Customer Review Image

Karan Mehta

Coimbatore

May 24, 2021

Thank you policyx for guiding me and resolving my queries related to icici lombard. Really happy the way they treat their customers. I have suggested this plan to my sister also

Customer Review Image

Sanam Mehta

Chennai

May 24, 2021

Today i got my refund of claim reimbursement and today is the best day of life.All credit goes to policyx as they are very nice

Customer Review Image

Karan Mehta

Coimbatore

May 21, 2021

Thank you policyx for guiding me and resolving my queries related to icici lombard. Really happy the way they treat their customers. I have suggested this plan to my sister also

View All ICICI Lombard Health Insurance Reviews

Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.